Standards
79 of 95 national standards, unit by unit.
The 2021 National Standards for Personal Financial Education were published jointly by the Jump$tart Coalition and the Council for Economic Education, in six topics benchmarked at grades 4, 8, and 12. Below is where every Financial Foundations™ unit lands, and, just as plainly, the 16 standards the program does not yet reach.
17 / 17
Earning Income
13 / 15
Spending
15 / 16
Saving
13 / 14
Investing
13 / 16
Managing Credit
8 / 17
Managing Risk
Unit-level crosswalk, version 1.0, September 2026. A standard is listed under a unit when one or more of its activities teach the concept the standard names. Download the full crosswalk with the standard text →
Georgia
What Georgia requires, and where Financial Foundations™ fits.
The graduation requirement
Georgia’s Senate Bill 220 (2022) requires a course in financial literacy for students in eleventh or twelfth grade, beginning with the 2024–25 school year. Band 4 (Units 4.1–4.9) is built for that course: income, borrowing, credit, investing, insurance, paying for college or trade school, student loans, and a launch plan.
Georgia’s requirement, explained →K–8
Georgia’s social studies standards carry economics and personal-finance strands in every grade from kindergarten up (SSKE1–4 through SS8E3). Bands 1–3 cover that ground: needs and wants, earning, saving, spending choices, budgeting, credit. The history-bound economics standards in grades 4–5 and the world-economics standards in grades 6–8 are outside the program’s scope, and the table below says so.
The Georgia crosswalk, code by code
Of the 35 Georgia economics and personal-finance standards K–12, 33 are addressed, 0 partially, and 2 not yet. Every code, with the activities that carry it ↓
The crosswalk
Every unit, and the standards it teaches.
Codes read topic, benchmark grade, standard number. “Saving 8-2” is the second grade-8 Saving standard.
Georgia Standards of Excellence · social studies
Every Georgia economics and personal-finance code, K–12.
Read against the GaDOE standards document (approved 2016, updated July 2026). Addressed means the standard’s main idea is taught by the named activities. Partial means one or more lettered elements are not yet taught, and the note says which. Not addressed is stated, not hidden.
Show every code, K–12 (35 standards)
| Code | Grade | Standard | Units | Activities that carry it | Status |
|---|---|---|---|---|---|
| SSKE1 | K | Describe the work that people do (police officer, farmer, doctor, teacher…). | 1.1 | Earning (match each person to the job they do: teacher, firefighter, nurse…) | Addressed |
| SSKE2 | K | Explain that people earn income by working. | 1.1 | Earning · My First Money Day | Addressed |
| SSKE3 | K | Explain how money is used to purchase goods and services; identify U.S. coins and bills as currency. | 1.1 | Money Is a Tool · Coins and Bills · Spending | Addressed |
| SSKE4 | K | Explain that people must make choices because they cannot have everything they want. | 1.2 | Need or Want? · Sorting Day · First, Then | Addressed |
| SS1E1 | 1 | Identify goods that people make and services that people provide for each other. | 1.1 | Earning · Part B: Things and Helps (goods vs services) | Addressed |
| SS1E2 | 1 | Explain that scarcity is when unlimited wants are greater than limited resources. | 1.2 | It Depends · Part B: Not Enough for Everything (names scarcity) · The Waiting Shelf | Addressed |
| SS1E3 | 1 | Describe how people are both producers and consumers. | 1.1 | Earning · Part B: Makers and Buyers (producers and consumers) | Addressed |
| SS1E4 | 1 | Explain that people earn income by working and must make choices about how much to save and spend. | 1.11.3 | Earning · What Is Saving? · If I Spend My Savings | Addressed |
| SS2E1 | 2 | Explain that because of scarcity, people must make choices that result in opportunity costs. | 1.21.3 | First, Then · The Waiting Shelf · If I Spend My Savings | Addressed |
| SS2E2 | 2 | Identify ways goods and services are allocated (price, majority rule, contests, lottery, first-come…). | 1.2 | The Waiting Shelf · Part B: Who Gets It? (turns, sharing, first-come, a rule, a lottery, a price) | Addressed |
| SS2E3 | 2 | Explain that people use money to obtain goods and services and how money makes trade easier than barter. | 1.1 | Before Money · Money You Cannot See | Addressed |
| SS2E4 | 2 | Describe the costs and benefits of personal saving and spending choices. | 1.31.2 | Patience Pays Off · If I Spend My Savings · It Depends | Addressed |
| SS3E1 | 3 | Define and give examples of the four productive resources: natural, human, capital, entrepreneurship. | 2.1 | Is This a Real Business? · Part B: What a Business Needs (natural, human, capital, entrepreneurship) · From Hobby to Income | Addressed |
| SS3E2 | 3 | Explain that governments provide goods and services in a market economy and pay for them through taxes. | 2.12.5 | What Taxes Buy · Follow the Dollar · The Community Subscription | Addressed |
| SS3E3 | 3 | Give examples of interdependence and trade; explain how price allocates goods and services. | 2.22.5 | The Best Price Hunt · Part B: Where Did It Come From? (made near, elsewhere in the U.S., abroad; other countries' money) · Follow the Dollar | Addressed |
| SS3E4 | 3 | Explain opportunity cost as it relates to a saving or spending choice. | 2.22.3 | The Trade-Off Problem · Why Saving Is Hard · Short and Long | Addressed |
| SS4E1 | 4 | Use economic concepts (trade, opportunity cost, specialization…) to illustrate historical events.History-bound; outside the program's scope. | — | — | Not yet |
| SS4E2 | 4 | Identify the elements of a personal budget (income, expenditures, saving) and why spending and saving decisions matter. | 2.4 | What Is a Budget? · Fixed or Variable? · 50 / 30 / 20 · Planned vs Actual | Addressed |
| SS5E1 | 5 | Use economic concepts to illustrate historical events (rationing, cattle trails, the assembly line…).History-bound; outside the program's scope. | — | — | Not yet |
| SS5E2 | 5 | Describe the four sectors of the U.S. economy: household, business, bank, government. | 2.52.3 | Follow the Dollar · Part B: The Four Players (households, businesses, banks, government) · Money That Grows | Addressed |
| SS5E3 | 5 | Describe how consumers and producers interact: competition and prices, earning by selling labor, entrepreneurs taking risks. | 2.12.2 | Sort the Earner · Is This a Real Business? · The Best Price Hunt | Addressed |
| SS5E4 | 5 | Identify the elements of a personal budget and why spending and saving decisions matter. | 2.4 | What Is a Budget? · Planned vs Actual | Addressed |
| SS6E13 | 6 | Live within one's income: income is limited; a budget plans spending and saving; reasons to save; uses and costs of credit. | 3.13.23.33.5 | Building Your First Budget · Where Did $177 Go? · What Borrowing Actually Costs · Emergency Fund First | Addressed |
| SS7E10 | 7 | Live within one's income (same elements as SS6E13). | 3.13.23.33.5 | As SS6E13 | Addressed |
| SS8E3 | 8 | Principles of personal money management: income as the starting point, a household budget, savings, the uses and risks of debt. | 3.23.33.53.6 | Pay Stub Mastery · The Borrowing Decision Framework · What Is Your Savings Rate? · Sai's Financial Blueprint | Addressed |
| SSEPF1 | HS | Analyze major life decisions with a rational decision-making model: post-high-school paths, paying for them (HOPE, loans, grants…), FAFSA documents, renting vs buying, generational wealth. | 4.74.94.64.2 | Three Paths, Side by Side · The Document Hunt · SAI, Not EFC · Frame the Choice · The 18-to-30 Money Map · The Biggest Loan Most People Take | Addressed |
| SSEPF2 | HS | Income as a scarce resource: income types, a sample Form 1040, the paystub, a personal budget, reconciling a checking account, net worth. | 4.14.64.9 | Four Ways to Get Paid · Your Personal Income Statement · Part B: Reading a Form 1040 · Net Worth · Your Banking and Credit System · Part B: Reconcile the Account · Your First-Year Budget | Addressed |
| SSEPF3 | HS | How the financial system channels funds from savers to investors: functions of money, institutions compared, payment methods, savings and investment options, speculative investments. | 4.44.23.1 | What You Actually Own · Roth or Traditional · Crypto, Meme Stocks and FOMO · Who Is Really Selling You Money? · Inside a Bank | Addressed |
| SSEPF4 | HS | How interest rates affect consumer decisions: rates compared across lenders, APR, amortization, simple vs compound, nominal vs real.Amortization is shown through the loan projection tool rather than a mortgage schedule. | 4.24.44.8 | Read Before You Sign · The Math of Exploitation · The Compound Interest Clock · The Silent Killer · The Projection Tool | Addressed |
| SSEPF5 | HS | How taxation affects spending and saving: income, sales, property, capital-gains, and estate taxes; progressive, regressive, proportional. | 4.1 | Brackets, Marginal, Effective · Part B: Five Taxes and Who They Hit Hardest (income, sales, property, capital gains, estate; progressive / regressive / proportional) · The 15.3% Nobody Mentions | Addressed |
| SSEPF6 | HS | Costs and benefits of credit: credit report and score, score components, a sample loan application, revolving vs installment, bankruptcy. | 4.34.2 | The Number That Follows You · Reading the Report · The 30% Rule · Hard and Soft · When Starting Over Makes Sense | Addressed |
| SSEPF7 | HS | How insurance and risk management protect against loss: why people buy it, the types, deductibles and premiums, insurability. | 4.5 | Risk Is Real · Health Insurance, Decoded · What You Are Actually Buying · The Cheap One Nobody Buys | Addressed |
| SSEPF8 | HS | How workers' earnings are determined: workplace skills, a social-media footprint, investment in education and training. | 4.14.9 | Human Capital · Part B: Your Footprint Is a Résumé · Research, Ask, Counter, Close · Macon's Career Pivot · Research Your Path | Addressed |
| SSEPF9 | HS | How consumers are protected by rules and regulations: agencies, lodging complaints, key consumer legislation. | 4.34.5 | Disputing an Error · Part B: Who Has Your Back (Truth in Lending, FDCPA, FCRA, Fair Housing, Dodd-Frank; CFPB, FTC, state AG) · Reading the Fine Print | Addressed |
| SSEPF10 | HS | Sources of and protection against identity theft; investment scams. | 4.53.3 | Spot It, Stop It · Scams Built for You · Locking the Doors · Naiya's Close Call · When Someone Uses Your Name | Addressed |
SSKE1KAddressedDescribe the work that people do (police officer, farmer, doctor, teacher…).
Taught in
Unit 1.1
Activities that carry it
Earning (match each person to the job they do: teacher, firefighter, nurse…)
SSKE2KAddressedExplain that people earn income by working.
Taught in
Unit 1.1
Activities that carry it
Earning · My First Money Day
SSKE3KAddressedExplain how money is used to purchase goods and services; identify U.S. coins and bills as currency.
Taught in
Unit 1.1
Activities that carry it
Money Is a Tool · Coins and Bills · Spending
SSKE4KAddressedExplain that people must make choices because they cannot have everything they want.
Taught in
Unit 1.2
Activities that carry it
Need or Want? · Sorting Day · First, Then
SS1E1Gr 1AddressedIdentify goods that people make and services that people provide for each other.
Taught in
Unit 1.1
Activities that carry it
Earning · Part B: Things and Helps (goods vs services)
SS1E2Gr 1AddressedExplain that scarcity is when unlimited wants are greater than limited resources.
Taught in
Unit 1.2
Activities that carry it
It Depends · Part B: Not Enough for Everything (names scarcity) · The Waiting Shelf
SS1E3Gr 1AddressedDescribe how people are both producers and consumers.
Taught in
Unit 1.1
Activities that carry it
Earning · Part B: Makers and Buyers (producers and consumers)
SS1E4Gr 1AddressedExplain that people earn income by working and must make choices about how much to save and spend.
Taught in
Unit 1.1Unit 1.3
Activities that carry it
Earning · What Is Saving? · If I Spend My Savings
SS2E1Gr 2AddressedExplain that because of scarcity, people must make choices that result in opportunity costs.
Taught in
Unit 1.2Unit 1.3
Activities that carry it
First, Then · The Waiting Shelf · If I Spend My Savings
SS2E2Gr 2AddressedIdentify ways goods and services are allocated (price, majority rule, contests, lottery, first-come…).
Taught in
Unit 1.2
Activities that carry it
The Waiting Shelf · Part B: Who Gets It? (turns, sharing, first-come, a rule, a lottery, a price)
SS2E3Gr 2AddressedExplain that people use money to obtain goods and services and how money makes trade easier than barter.
Taught in
Unit 1.1
Activities that carry it
Before Money · Money You Cannot See
SS2E4Gr 2AddressedDescribe the costs and benefits of personal saving and spending choices.
Taught in
Unit 1.3Unit 1.2
Activities that carry it
Patience Pays Off · If I Spend My Savings · It Depends
SS3E1Gr 3AddressedDefine and give examples of the four productive resources: natural, human, capital, entrepreneurship.
Taught in
Unit 2.1
Activities that carry it
Is This a Real Business? · Part B: What a Business Needs (natural, human, capital, entrepreneurship) · From Hobby to Income
SS3E2Gr 3AddressedExplain that governments provide goods and services in a market economy and pay for them through taxes.
Taught in
Unit 2.1Unit 2.5
Activities that carry it
What Taxes Buy · Follow the Dollar · The Community Subscription
SS3E3Gr 3AddressedGive examples of interdependence and trade; explain how price allocates goods and services.
Taught in
Unit 2.2Unit 2.5
Activities that carry it
The Best Price Hunt · Part B: Where Did It Come From? (made near, elsewhere in the U.S., abroad; other countries' money) · Follow the Dollar
SS3E4Gr 3AddressedExplain opportunity cost as it relates to a saving or spending choice.
Taught in
Unit 2.2Unit 2.3
Activities that carry it
The Trade-Off Problem · Why Saving Is Hard · Short and Long
SS4E1Gr 4Not yetUse economic concepts (trade, opportunity cost, specialization…) to illustrate historical events.
History-bound; outside the program's scope.
Taught in
Not in the current units
SS4E2Gr 4AddressedIdentify the elements of a personal budget (income, expenditures, saving) and why spending and saving decisions matter.
Taught in
Unit 2.4
Activities that carry it
What Is a Budget? · Fixed or Variable? · 50 / 30 / 20 · Planned vs Actual
SS5E1Gr 5Not yetUse economic concepts to illustrate historical events (rationing, cattle trails, the assembly line…).
History-bound; outside the program's scope.
Taught in
Not in the current units
SS5E2Gr 5AddressedDescribe the four sectors of the U.S. economy: household, business, bank, government.
Taught in
Unit 2.5Unit 2.3
Activities that carry it
Follow the Dollar · Part B: The Four Players (households, businesses, banks, government) · Money That Grows
SS5E3Gr 5AddressedDescribe how consumers and producers interact: competition and prices, earning by selling labor, entrepreneurs taking risks.
Taught in
Unit 2.1Unit 2.2
Activities that carry it
Sort the Earner · Is This a Real Business? · The Best Price Hunt
SS5E4Gr 5AddressedIdentify the elements of a personal budget and why spending and saving decisions matter.
Taught in
Unit 2.4
Activities that carry it
What Is a Budget? · Planned vs Actual
SS6E13Gr 6AddressedLive within one's income: income is limited; a budget plans spending and saving; reasons to save; uses and costs of credit.
Taught in
Unit 3.1Unit 3.2Unit 3.3Unit 3.5
Activities that carry it
Building Your First Budget · Where Did $177 Go? · What Borrowing Actually Costs · Emergency Fund First
SS7E10Gr 7AddressedLive within one's income (same elements as SS6E13).
Taught in
Unit 3.1Unit 3.2Unit 3.3Unit 3.5
Activities that carry it
As SS6E13
SS8E3Gr 8AddressedPrinciples of personal money management: income as the starting point, a household budget, savings, the uses and risks of debt.
Taught in
Unit 3.2Unit 3.3Unit 3.5Unit 3.6
Activities that carry it
Pay Stub Mastery · The Borrowing Decision Framework · What Is Your Savings Rate? · Sai's Financial Blueprint
SSEPF1HSAddressedAnalyze major life decisions with a rational decision-making model: post-high-school paths, paying for them (HOPE, loans, grants…), FAFSA documents, renting vs buying, generational wealth.
Taught in
Unit 4.7Unit 4.9Unit 4.6Unit 4.2
Activities that carry it
Three Paths, Side by Side · The Document Hunt · SAI, Not EFC · Frame the Choice · The 18-to-30 Money Map · The Biggest Loan Most People Take
SSEPF2HSAddressedIncome as a scarce resource: income types, a sample Form 1040, the paystub, a personal budget, reconciling a checking account, net worth.
Taught in
Unit 4.1Unit 4.6Unit 4.9
Activities that carry it
Four Ways to Get Paid · Your Personal Income Statement · Part B: Reading a Form 1040 · Net Worth · Your Banking and Credit System · Part B: Reconcile the Account · Your First-Year Budget
SSEPF3HSAddressedHow the financial system channels funds from savers to investors: functions of money, institutions compared, payment methods, savings and investment options, speculative investments.
Taught in
Unit 4.4Unit 4.2Unit 3.1
Activities that carry it
What You Actually Own · Roth or Traditional · Crypto, Meme Stocks and FOMO · Who Is Really Selling You Money? · Inside a Bank
SSEPF4HSAddressedHow interest rates affect consumer decisions: rates compared across lenders, APR, amortization, simple vs compound, nominal vs real.
Amortization is shown through the loan projection tool rather than a mortgage schedule.
Taught in
Unit 4.2Unit 4.4Unit 4.8
Activities that carry it
Read Before You Sign · The Math of Exploitation · The Compound Interest Clock · The Silent Killer · The Projection Tool
SSEPF5HSAddressedHow taxation affects spending and saving: income, sales, property, capital-gains, and estate taxes; progressive, regressive, proportional.
Taught in
Unit 4.1
Activities that carry it
Brackets, Marginal, Effective · Part B: Five Taxes and Who They Hit Hardest (income, sales, property, capital gains, estate; progressive / regressive / proportional) · The 15.3% Nobody Mentions
SSEPF6HSAddressedCosts and benefits of credit: credit report and score, score components, a sample loan application, revolving vs installment, bankruptcy.
Taught in
Unit 4.3Unit 4.2
Activities that carry it
The Number That Follows You · Reading the Report · The 30% Rule · Hard and Soft · When Starting Over Makes Sense
SSEPF7HSAddressedHow insurance and risk management protect against loss: why people buy it, the types, deductibles and premiums, insurability.
Taught in
Unit 4.5
Activities that carry it
Risk Is Real · Health Insurance, Decoded · What You Are Actually Buying · The Cheap One Nobody Buys
SSEPF8HSAddressedHow workers' earnings are determined: workplace skills, a social-media footprint, investment in education and training.
Taught in
Unit 4.1Unit 4.9
Activities that carry it
Human Capital · Part B: Your Footprint Is a Résumé · Research, Ask, Counter, Close · Macon's Career Pivot · Research Your Path
SSEPF9HSAddressedHow consumers are protected by rules and regulations: agencies, lodging complaints, key consumer legislation.
Taught in
Unit 4.3Unit 4.5
Activities that carry it
Disputing an Error · Part B: Who Has Your Back (Truth in Lending, FDCPA, FCRA, Fair Housing, Dodd-Frank; CFPB, FTC, state AG) · Reading the Fine Print
SSEPF10HSAddressedSources of and protection against identity theft; investment scams.
Taught in
Unit 4.5Unit 3.3
Activities that carry it
Spot It, Stop It · Scams Built for You · Locking the Doors · Naiya's Close Call · When Someone Uses Your Name
Standard text summarized from the Georgia Standards of Excellence for Social Studies, © Georgia Department of Education, cited for alignment purposes. WealthWise Kids is not affiliated with GaDOE. Unit-level crosswalk, version 1.0, September 2026.
Where we’re still building
The 16 standards not yet addressed
We’d rather show you the gaps than have you find them. Of the 95 national standards, 79 are taught today. These 16 aren’t yet, and here’s exactly where they sit.
Twelve of them cluster in two places: Managing Credit and Managing Risk at the grade 4 benchmark (Bands K–2 and 3–5 contain no borrowing or insurance content), and Managing Risk at grade 8 (insurance is introduced in Band 9–12, Unit 4.5). The other four stand alone: Spending 12-3 and 12-4, Saving 12-5, and Investing 8-3. All of them are on the curriculum roadmap. When a unit closes one, it comes off this list and the count changes with it. List current as of October 2026.
Teaching one of these now? Tell us. Requests are how we decide what gets written next. Send a request →
Standards text © Jump$tart Coalition & Council for Economic Education, quoted in the download for alignment purposes. WealthWise Kids is not affiliated with either organization.
High-quality instructional materials
Against the criteria districts use to judge materials.
EdReports and state adoption rubrics score instructional materials on alignment and on usability. EdReports does not yet review financial-literacy programs, so this is our own evaluation against the same criteria, stated the way a reviewer would state it: met, partially met, or not yet.
Standards alignment
79 of 95 national standards addressed at the standard level; the 16 not yet reached are named, with the roadmap.
Partially metCoherence across grades
One K–12 arc: four bands deepen the same eight domains; a unit in Band 3 assumes Band 2, not a restart.
MetTeacher materials
Every lesson scripted; a Unit-at-a-Glance sheet per unit, band syllabi, pacing, a facilitator guide, and certification through iMPACT Partners™.
MetAssessment
Start-and-end behavioral readings (FLIQ Score™) for every cohort. No item-level, standards-tagged assessment yet; the FLIQ readings are not yet validated at scale.
Partially metStudent supports and differentiation
Reading-level bands and Milo's guidance by band. No formal supports yet for multilingual learners or students with IEPs.
Not yetFamily engagement
A family letter for every unit, written for the car and the store; a Family Edition for home use.
MetTechnology use
The $100 Week™ and CoinQuest™ are where decisions are made and read; lessons themselves need no device.
MetDesign and navigation
One design system across all 24 units; print and screen; a numbered lesson code on every page.
MetEvidence of effectiveness
Designed to measure; not yet measured. First cohorts 2026–27; results published whatever they show.
Not yetTwo of the nine are on the roadmap with dates: differentiation supports in the 2027 edition; evidence as the first cohorts report. We will submit for an independent review the day one exists for this subject.